Call reports 2008
FIRST STATE BANK OF WARREN — 2008
What FIRST STATE BANK OF WARREN reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 106,477,000 | 106,132,000 | 99,686,000 | 100,257,000 |
| Total loans | 50,153,000 | 53,033,000 | 50,887,000 | 49,772,000 |
| Allowance for loan losses | 808,000 | 808,000 | 742,000 | 644,000 |
| Securities available for sale | 41,298,000 | 43,030,000 | 39,531,000 | 34,413,000 |
| Securities held to maturity | 2,016,000 | 1,815,000 | 1,814,000 | 1,653,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,169,000 | 93,678,000 | 87,732,000 | 89,368,000 |
| Interest-bearing deposits | 81,540,000 | 81,334,000 | 75,390,000 | 77,024,000 |
| Noninterest-bearing deposits | 12,629,000 | 12,343,000 | 12,343,000 | 12,343,000 |
| Equity capital | 11,568,000 | 11,032,000 | 11,000,000 | 9,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,602,000 | 3,214,000 | 4,761,000 | 6,220,000 |
| Interest expense | 682,000 | 1,306,000 | 1,875,000 | 2,375,000 |
| Net interest income | 920,000 | 1,908,000 | 2,886,000 | 3,845,000 |
| Noninterest income | 145,000 | 295,000 | 443,000 | 588,000 |
| Noninterest expense | 691,000 | 1,404,000 | 2,124,000 | 2,898,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 390,000 | 832,000 | 1,241,000 | 1,575,000 |
| Income tax | 104,000 | 233,000 | 353,000 | 448,000 |
| Net income | 286,000 | 599,000 | 888,000 | 1,127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,351,000 | 11,448,000 | 11,502,000 | 9,691,000 |
| Total capital | 12,101,000 | 12,236,000 | 12,244,000 | 10,335,000 |
| Risk-weighted assets | 59,956,000 | 63,014,000 | 60,495,000 | 59,353,000 |